摩根基金管理（中国）有限公司已与华夏银行股份有限公司签订了基金销售代理协议，现决定自本公告 之日起，新增华夏银行股份有限公司"华夏e家"平台为摩根纯债债券型证券投资基金（A类份额代码： 371020；B类份额代码：371120；D类份额代码：022294）的代销机构。 投资人可通过华夏银行股份有限公司"华夏e家"平台开展基金的申购、赎回、定期定额等相关业务。具 体的业务流程、办理时间和办理方式以华夏银行股份有限公司"华夏e家"平台的规定为准。 有关摩根纯债债券型证券投资基金（A类份额代码：371020；B类份额代码：371120；D类份额代码： 022294）销售的具体事宜请仔细阅读本基金的招募说明书、基金产品资料概要及基金合同等相关法律文 件。 投资者可通过以下途径咨询有关详情： 1、华夏银行股份有限公司 客服电话：95577 公司网址：www.hxb.com.cn 2、摩根基金管理（中国）有限公司 客服电话：400-889-4888 公司网址：am.jpmorgan.com/cn 二○二五年九月八日 关于新增江海证券有限公司为摩根 基金管理（中国）有限公司 旗下部分基金代销机构的公告 摩根基金管理（中国） ...

Core Viewpoint - The article highlights the significant regulatory penalties faced by Huaxia Bank due to non-compliance and mismanagement in various financial operations, indicating ongoing challenges in performance and compliance within the banking sector [1][2][3]. Regulatory Penalties - On September 5, Huaxia Bank was fined 87.25 million yuan for imprudent management of loans, bills, and interbank operations, marking the highest penalty among several financial institutions penalized that day [2][3]. - Since the beginning of 2025, Huaxia Bank has accumulated penalties exceeding 99 million yuan, with a total of over 11.8 million yuan in fines across various infractions [4][5]. Financial Performance - For the first half of 2025, Huaxia Bank reported operating income of 45.522 billion yuan, a decrease of 5.86% year-on-year, and a net profit of 11.47 billion yuan, down 7.95%, which is the lowest profit growth rate among A-share listed banks [5][6]. - The bank's net interest income fell by 3.6% to 30.574 billion yuan, accounting for 67.16% of total operating income, while investment income and other financial gains decreased significantly, contributing to the overall decline in performance [5][6]. Asset Quality and Loan Performance - As of June 30, 2025, Huaxia Bank's non-performing loan (NPL) ratio stood at 1.60%, the highest among nine listed banks in A-shares, with personal loan NPLs increasing due to external risk factors [6][7]. - The bank's total assets approached 4.55 trillion yuan, with a loan total of 2.42 trillion yuan, reflecting a growth of 3.96% and 2.15% respectively compared to the previous year [6][7]. Management Response - In response to regulatory actions, Huaxia Bank has committed to enhancing internal controls and risk management, focusing on improving asset quality and addressing existing risks while optimizing business structures [8].

（原标题：华夏银行被罚8725万元 从贷款审批到数据治理系统性失灵） 天价罚单为何砸向华夏银行？从贷款审批到数据报送，此次处罚又揭开了银行内控与数据治理的哪 些"痼疾"？ 9月5日，国家金融监督管理总局发布行政处罚信息，对华夏银行股份有限公司及相关责任人员依法作出 重大行政处罚。经查，该行在贷款、票据、同业等核心业务管理中存在审慎性不足问题，同时监管数据 报送亦不符合合规要求。依据《中华人民共和国银行业监督管理法》等相关法律法规，监管部门决定对 华夏银行处以罚款8725万元。 当前，金融监管数据建设与治理呈现出全局化、标准化、下沉式、跨应用的趋势。数据是监管机构作出 监管判断并采取相应措施的重要基础。2012年，原银监会开发并开始应用检查分析系统(Examination & Analysis System Technology，EAST)。该系统可帮助现场检查人员灵活筛选、提取银行数据，建模并挖 掘分析数据，大幅提升了数据收集、处理和分析的能力。 对于银行业金融机构来讲，为了更好的满足监管要求，需要把监管数据治理的重点往前移，但是这是一 个比较系统比较复杂的过程，涉及到了不同条线，不同部门之间的配合，包括业务 ...

Investment Rating - The report maintains an "Increase" rating for the banking sector, indicating a positive outlook for the industry [1]. Core Insights - In the first half of 2025, the contribution of financial asset disposal gains from AC and OCI accounts to revenue reached 5.2%, an increase of 2.9 percentage points compared to 2024 [1][2]. - The investment income growth rate for 42 listed banks was 23.6%, with AC, OCI, and TPL gains showing year-on-year growth rates of 134.7%, 79.0%, and -8.4% respectively [1]. - The report highlights that the increase in disposal gains does not necessarily indicate a significant increase in asset disposal scale, as market conditions and strategies vary among banks [2]. Financial Asset Disposal Gains - The contribution of AC and OCI financial asset disposal gains to revenue was 5.2%, up 2.9 percentage points from 2024, with AC asset disposal gains contributing 2.6% [2]. - Among different types of banks, rural commercial banks had the highest contribution from AC and OCI disposal gains, reaching 11.0%, an increase of 6.2 percentage points from 2024 [2]. - Specific banks such as Jiangyin Bank, Sunong Bank, and Zijin Bank had high disposal gain ratios relative to their revenue, at 28.9%, 26.7%, and 22.7% respectively [2]. OCI Floating Profit Situation - The overall OCI floating profit decreased compared to the end of the previous year, accounting for 12.6% of the estimated profit for 2025 [3]. - Major state-owned banks like CCB and ABC reported significant OCI floating profits, with balances exceeding 30 billion [3]. - The average contribution of OCI floating profits to profits for city and rural commercial banks was notably high, with Ningbo Bank's ratio reaching 35% [3][6]. Sector Trends - The banking sector is expected to benefit from expansionary policies aimed at stabilizing the economy, with a focus on real estate and consumer spending [7]. - The report suggests a focus on banks with improving fundamentals, such as Ningbo Bank, and those with dividend strategies like Jiangsu Bank and Chengdu Bank [7]. - Attention is also drawn to banks with potential convertible bond conversion expectations, including Shanghai Bank and Industrial Bank [7].

Core Viewpoint - The financial regulatory authority has issued the largest fine of the year, totaling 87.25 million yuan, against Huaxia Bank for multiple violations in loan, bill, and interbank business management [2][3]. Group 1: Regulatory Actions - Huaxia Bank was fined 87.25 million yuan due to non-compliance in risk management and internal control effectiveness, following an on-site inspection by the financial regulatory authority [2][3]. - Zhejiang Merchants Bank was fined 11.308 million yuan for imprudent management of internet loan-related businesses, with a warning issued to a responsible individual [3]. - China Construction Investment was fined 850,000 yuan for imprudent practices in debt-to-equity swap projects and non-compliance in service fee pricing procedures [4]. Group 2: Personnel Penalties - Two former employees of Industrial and Commercial Bank of China (ICBC) received bans from the banking industry for 5 and 7 years, respectively, due to serious violations of prudent operation rules [5]. - The former general manager of ICBC's asset management department, Gu Jian Gang, faced severe disciplinary actions for corruption and misconduct, including being expelled from the party and public office [6]. Group 3: Financial Performance of Huaxia Bank - In the first half of 2025, Huaxia Bank reported a revenue of 45.522 billion yuan, a year-on-year decrease of 5.86%, and a net profit attributable to shareholders of 11.47 billion yuan, down 7.95% [3]. - The bank's total assets reached 4.5496 trillion yuan, reflecting a growth of 3.96% compared to the end of the previous year [3]. - The non-performing loan balance was 38.67 billion yuan, an increase of 756 million yuan from the end of the previous year, with a non-performing loan ratio of 1.6%, unchanged from the previous year [3].

Group 1 - The core point of the news is that Huaxia Bank received the largest financial penalty of the year, amounting to 87.25 million yuan, due to multiple violations in loan, bill, and interbank business management [2][3] - The penalty was imposed following a risk management and internal control effectiveness inspection conducted by the financial regulatory authority [2] - Huaxia Bank acknowledged the penalty and stated it would analyze the causes of the issues, implement corrective measures, and hold responsible personnel accountable [2][3] Group 2 - In the first half of 2025, Huaxia Bank reported an operating income of 45.522 billion yuan, a year-on-year decrease of 5.86%, and a net profit attributable to shareholders of 11.47 billion yuan, down 7.95% year-on-year [3] - The bank's total assets reached 4,549.625 billion yuan, an increase of 3.96% compared to the end of the previous year, while the non-performing loan balance rose to 38.67 billion yuan, an increase of 0.756 billion yuan [3] - The non-performing loan ratio remained stable at 1.6%, and the provision coverage ratio decreased by 5.22 percentage points to 156.67% [3] Group 3 - Other financial institutions, such as Zheshang Bank and Jianxin Investment, also faced penalties for various violations, with Zheshang Bank fined 11.308 million yuan for imprudent management of internet loans [3] - Two former employees of Industrial and Commercial Bank of China (ICBC) received bans from the banking industry for five and seven years, respectively, due to serious violations of prudent operation rules [3][4] - The former ICBC asset management department general manager, Gu Jian gang, was implicated in corruption and was expelled from the party and public office [4][5]

金融监管部门开出今年以来金额最大罚单！ 据财新此前报道，2020年12月，工银理财业务部门2人在办公室同时被带走，分别为固定收益部主持工作的 投资经理李某（原资本处处长），而另一名是交易室主持工作的副处长易某彬。 9月5日下午，金融监管总局官网披露多条行政处罚信息，华夏银行、浙商银行、建信投资三家金融机构受到 行政处罚，工商银行原职员李某、易某彬2人均遭到禁业处罚。其中，华夏银行因相关贷款、票据、同业业务 管理存在多项违规，遭监管罚款8725万元，这也是2025年至今开出的金额最大的金融业罚单。 券商中国记者从华夏银行获悉，该罚单系金融监管总局2023年对该行开展风险管理及内控有效性现场检查之 后，开出的行政处罚的决定书。华夏银行回应称，对于监管部门的处罚决定，该行诚恳接受；对于监管处罚 问题，该行高度重视，将分析问题成因、落实各项整改指施，并对相关责任人员进行严肃问责。 华夏银行被开出年内最大罚单 9月5日，金融监管总局披露的信息显示， 华夏银行 及相关责任人员因存在相关贷款、票据、同业等业务管理 不审慎，监管数据报送不合规等违法违规行为，被罚款8725万元。同时，该行陈某天、刘某新遭到警告，钱 某华、何某 ...

编辑|何小桃 廖丹 易启江 校对|卢祥勇 封面图片来源：视觉中国，图文无关 每经记者｜张寿林 每经编辑｜何小桃 廖丹 9月5日，国家金融监管总局披露罚单，对华夏银行及相关责任人员作出处罚。因相关贷款、票据、同业等业务管理不审慎，监管数据报送不合规等，监管 对该行罚款8725万元，并对具体责任人员相应处以警告或者罚款，相关责任人员合计罚款20万元。 对此，华夏银行官方回应，近日收到国家金融监督管理总局2023年对华夏银行开展风险管理及内控有效性现场检查进行行政处罚的决定书。对于监管部门 的处罚决定，华夏银行诚恳接受。对于监管处罚问题，华夏银行高度重视，深入分析问题成因，已迅速落实各项整改措施，并对相关责任人员进行严肃问 责。 华夏银行表示，下一步将严格落实监管要求，持续强化内控合规管理，推动业务经营健康发展。 记者|张寿林 ｜每日经济新闻 nbdnews 原创文章｜ 未经许可禁止转载、摘编、复制及镜像等使用 ...

Core Viewpoint - The article highlights significant regulatory actions taken against financial institutions in China, particularly focusing on the largest fine imposed this year on Huaxia Bank for various compliance failures [1][2]. Summary by Sections Regulatory Actions - Huaxia Bank was fined 87.25 million yuan (approximately 12.4 million USD) for multiple violations related to loan management, bill management, and non-compliance in data reporting, marking the largest financial penalty in 2023 [1][2]. - Other institutions, including Zhejiang Commercial Bank and China Construction Investment, also faced penalties for various compliance issues, with Zhejiang Commercial Bank fined 11.31 million yuan (approximately 1.6 million USD) [2][3]. Financial Performance of Huaxia Bank - In the first half of 2023, Huaxia Bank reported operating income of 45.522 billion yuan (approximately 6.5 billion USD), a year-on-year decrease of 5.86% [2]. - The bank's net profit attributable to shareholders was 11.47 billion yuan (approximately 1.6 billion USD), down 7.95% year-on-year [2]. - As of June 30, 2023, Huaxia Bank's total assets reached 4.5496 trillion yuan (approximately 650 billion USD), reflecting a growth of 3.96% compared to the end of the previous year [2]. Non-Performing Loans - The non-performing loan balance for Huaxia Bank was reported at 38.67 billion yuan (approximately 5.5 billion USD), an increase of 7.56 billion yuan (approximately 1.1 billion USD) from the end of the previous year [2]. - The non-performing loan ratio remained stable at 1.6%, while the provision coverage ratio decreased by 5.22 percentage points to 156.67% [2]. Personnel Actions - Two former employees of Industrial and Commercial Bank of China (ICBC) received bans from the banking industry for serious violations, including misuse of their positions for personal gain [4]. - The penalties included a five-year ban for one employee and a seven-year ban for another, highlighting ongoing issues of compliance and ethical conduct within the banking sector [4].

Group 1 - The core viewpoint of the articles highlights a significant decline in credit card usage among the younger generation, with a notable decrease in credit card loan balances and transaction volumes across major banks in China [1][2][4] - As of mid-2025, the total credit card loan balance of six major state-owned banks and eight joint-stock banks reached 7.52 trillion yuan, a decrease of 197.57 billion yuan or 2.56% compared to the beginning of the year [1] - Major banks reported declines in credit card transaction volumes, with China Merchants Bank leading at 2.02 trillion yuan but experiencing an 8.54% year-on-year drop [1] Group 2 - The changing mindset of cardholders is evident, with many individuals opting to cancel excess credit cards, preferring to maintain only a few essential ones [2][4] - The People's Bank of China reported that by the end of 2024, the total number of credit cards and credit card-like products issued in the country was 727 million, reflecting a year-on-year decline of 5.14% [4] - The decline in credit card issuance is attributed to new regulations that have shifted the credit card business from rapid expansion to a more refined and high-quality development phase [4]